Laura Seitz, Deseret News
Car insurance in Utah is the 12th cheapest in the nation, according to new research released Monday by CarInsuranceQuotes.com, a Bankrate company.

Car insurance in Utah is the 12th cheapest in the nation, according to new research released Monday by CarInsuranceQuotes.com, a Bankrate company.

The typical household in Utah pays 2.06 percent of its yearly income for car insurance, according to the research. The typical household in Michigan pays 8 percent of its yearly income for car insurance, making it the most costly in the U.S.

"The laws in each state vary widely," said John Egan of CarInsuranceQuotes.com. "For example, part of the reason why Michigan is so expensive is that it's the only state that guarantees unlimited personal injury protection. While you're probably not going to move to a new state just because of car insurance costs, the most important thing to remember is that — regardless of where you live — you can get a better deal than the average Joe by shopping around."

CarInsuranceQuotes.com divided the median cost for car insurance by the median household income in each state and the District of Columbia and found that Michigan, Louisiana, Kentucky, West Virginia and Mississippi are the five most expensive states for car insurance. Car insurance in Massachusetts is the least expensive in the nation, where the typical household pays just 1.43 percent of its yearly income on car insurance. North Carolina, Hawaii, Alaska and Oregon follow Massachusetts as the five most affordable states, according to the CarInsuranceQuotes.com research.

Click here to see a comprehensive breakdown of the car insurance costs in all of the 50 states and the District of Columbia.

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